Coral India Fin &Hsg

₹43.9 -1 | 2.3%

WEBSITE BSE:531556 NSE : CORAL (I)FIN 18 May, 12:50

Market Cap ₹177 Cr.

Stock P/E 8.5

P/B 1

Current Price ₹43.9

Book Value ₹ 42.1

Face Value 2

52W High ₹74.4

Dividend Yield 0.68%

52W Low ₹ 30.8

Edit Ratio

Coral India Fin &Hsg Research see more...

Overview Inc. Year: 1995Industry: Finance - NBFC

Coral India Finance & Housing Ltd is a prominent financial institution dedicated to providing a wide range of financial solutions in India. With a strong presence in the financial sector, Coral India Finance & Housing Ltd specializes in housing finance, making homeownership dreams a reality for countless individuals and families. The company's core offerings include home loans, mortgage financing, and related financial products. Coral India Finance & Housing Ltd stands out for its customer-centric approach, offering competitive interest rates, flexible repayment options, and personalized guidance to help clients navigate the complex world of real estate financing. Backed by a team of experienced professionals and a commitment to transparency and integrity, Coral India Finance & Housing Ltd has earned a reputation for reliability and trustworthiness in the financial industry. Whether you're a first-time homebuyer or a property investor, Coral India Finance & Housing Ltd is a trusted partner in your financial journey.

Coral India Fin &Hsg Share Price

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Peer Comparison

Coral India Fin &Hsg Quarterly Results

#(Fig in Cr.)	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Jun 2022	Sep 2022	Dec 2022	Jun 2023	Sep 2023	Dec 2023
Net Sales	6	6	6	7	4	4	11	9	8	3
Other Income	0	0	1	-1	-0	1	0	1	-1	1
Total Income	6	6	7	6	4	5	11	10	7	4
Total Expenditure	2	1	1	1	1	1	3	3	2	1
Operating Profit	5	5	6	5	3	4	8	7	6	4
Interest	0	0	0	0	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0	0	0	0	0
Exceptional Income / Expenses	0	0	0	0	0	0	0	0	0	0
Profit Before Tax	5	5	6	5	3	4	8	7	6	4
Provision for Tax	1	1	1	1	0	1	1	1	1	0
Profit After Tax	4	4	5	4	2	3	7	6	5	3
Adjustments	-0	0	0	0	-0	0	0	0	0	0
Profit After Adjustments	4	4	5	4	2	3	7	6	5	3
Adjusted Earnings Per Share	0.9	1	1.1	1.1	0.5	0.8	1.7	1.5	1.1	0.8

Coral India Fin &Hsg Profit & Loss

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	TTM
Net Sales	31	11	16	12	14	22	14	12	20	27	30	31
Other Income	1	3	3	0	0	1	0	1	1	0	1	1
Total Income	32	14	19	12	14	23	15	13	21	28	31	32
Total Expenditure	13	5	6	4	3	6	4	3	5	6	8	9
Operating Profit	19	9	13	8	10	17	10	10	16	22	22	25
Interest	0	0	0	0	0	0	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0
Exceptional Income / Expenses	0	0	0	0	0	0	0	0	0	0	0	0
Profit Before Tax	19	8	13	8	10	17	10	10	16	22	22	25
Provision for Tax	4	2	3	2	2	3	2	2	3	5	4	3
Profit After Tax	15	7	10	6	8	13	8	8	13	17	18	21
Adjustments	0	0	0	0	0	0	0	0	0	0	0	0
Profit After Adjustments	15	7	10	6	8	13	8	8	13	17	18	21
Adjusted Earnings Per Share	3.1	1.3	2.1	1.3	1.6	2.7	1.6	1.6	3.2	4.3	4.5	5.1

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	11%	36%	6%	-0%
Operating Profit CAGR	0%	30%	5%	1%
PAT CAGR	6%	31%	7%	2%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	32%	19%	22%	24%
ROE Average	13%	12%	10%	12%
ROCE Average	15%	15%	12%	15%

Coral India Fin &Hsg Balance Sheet

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Shareholder's Funds	58	63	72	78	145	144	127	117	127	142	150
Minority's Interest	0	0	0	0	0	0	0	0	0	0	0
Borrowings	0	0	0	0	0	0	0	0	0	0	0
Other Non-Current Liabilities	2	2	3	4	3	4	5	5	4	6	10
Total Current Liabilities	5	5	7	8	3	1	1	3	4	4	5
Total Liabilities	65	70	83	90	151	149	133	125	135	153	164
Fixed Assets	3	3	3	2	2	2	2	2	2	2	1
Other Non-Current Assets	26	44	57	70	132	128	114	104	62	69	64
Total Current Assets	36	24	23	18	16	19	18	19	72	82	99
Total Assets	65	70	83	90	151	149	133	125	135	153	164

Coral India Fin &Hsg Cash Flow

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Opening Cash & Cash Equivalents	1	16	6	10	5	4	5	4	5	3	4
Cash Flow from Operating Activities	16	-4	7	-1	3	-1	5	8	4	2	22
Cash Flow from Investing Activities	-1	-6	-3	-4	-2	2	-5	-6	15	1	-9
Cash Flow from Financing Activities	-0	-0	-0	-0	-1	-0	-1	-1	-21	-2	-1
Net Cash Inflow / Outflow	15	-9	4	-5	-1	1	-1	1	-2	1	12
Closing Cash & Cash Equivalent	16	6	10	5	4	5	4	5	3	4	16

Coral India Fin &Hsg Ratios

#	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Earnings Per Share (Rs)	3.06	1.34	2.07	1.27	1.63	2.7	1.65	1.61	3.22	4.31	4.55
CEPS(Rs)	3.09	1.37	2.11	1.32	1.67	2.74	1.68	1.63	3.25	4.33	4.57
DPS(Rs)	0	0.2	0.2	0.2	0.2	0.2	0.2	0.2	0.5	0.3	0.3
Book NAV/Share(Rs)	11.5	12.6	14.43	15.46	29.06	28.87	25.56	23.47	31.54	35.24	37.11
Core EBITDA Margin(%)	57.37	52.36	61.87	68.99	75.87	73.65	70.68	71.53	75.17	79.88	72.1
EBIT Margin(%)	61.33	77.99	80.49	66.82	74.26	76.86	71.99	80.63	77.8	79.97	75.53
Pre Tax Margin(%)	61.31	77.87	80.45	66.78	74.24	76.84	71.85	80.48	77.76	79.9	75.53
PAT Margin (%)	49.2	61.98	63.82	53.94	59.85	61.05	57.83	66.58	64.23	63.17	62
Cash Profit Margin (%)	49.74	63.58	64.98	56.11	61.57	61.89	58.88	67.63	64.76	63.53	62.3
ROA(%)	25.12	9.87	13.49	7.35	6.74	8.98	5.82	6.21	9.97	12.08	11.57
ROE(%)	30.67	11.12	15.31	8.51	7.31	9.34	6.05	6.55	10.63	12.91	12.57
ROCE(%)	37.88	13.89	19.18	10.48	9.05	11.75	7.54	7.93	12.87	16.34	15.31
Receivable days	33.2	26.99	6.89	10.48	17.42	12.35	23.03	45.47	34.55	19.21	8.89
Inventory Days	287.59	612.14	334.84	386.59	319.09	203.5	331.01	376	203.72	166.95	151.36
Payable days	113.76	61.54	33.58	208.09	444.75	146.33	220.7	111.08	115.98	66.66	4.87
PER(x)	1.85	4.18	4.78	8.65	22.9	11.83	10.29	7.97	6.74	8.7	5.89
Price/Book(x)	0.49	0.44	0.69	0.71	1.28	1.11	0.66	0.55	0.69	1.06	0.72
Dividend Yield(%)	0	3.57	2.02	1.82	0.54	0.63	1.18	1.56	2.3	0.8	1.12
EV/Net Sales(x)	0.4	2.02	2.45	4.26	13.41	6.99	5.68	4.91	4.17	5.35	3.11
EV/Core EBITDA(x)	0.65	2.53	3	6.17	17.65	9	7.78	6.02	5.33	6.66	4.11
Net Sales Growth(%)	-26.27	-65.21	49.99	-27.28	15.28	62.96	-35.67	-15.32	67.8	36.17	7.46
EBIT Growth(%)	50.11	-55.75	54.8	-39.63	28.11	68.66	-39.75	-5.16	61.93	39.96	1.5
PAT Growth(%)	52.28	-56.17	54.45	-38.54	27.9	66.23	-39.07	-2.51	61.9	33.91	5.46
EPS Growth(%)	52.28	-56.17	54.45	-38.54	27.9	66.23	-39.07	-2.51	100.37	33.92	5.46
Debt/Equity(x)	0	0	0	0	0	0	0	0	0	0	0
Current Ratio(x)	6.69	5.16	3.1	2.08	5.78	15.3	26.9	6.4	19.89	19.39	20.21
Quick Ratio(x)	3.14	1.49	1.37	0.64	1.7	4.79	7.45	2.3	16.99	15.94	18.19
Interest Cover(x)	5450.97	649.36	2084.87	1608.99	3055.5	3368.53	527.26	564.13	2014.35	1077.95	0
Total Debt/Mcap(x)	0	0	0	0	0	0	0	0	0	0	0

Coral India Fin &Hsg Shareholding Pattern

#	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Promoter	75	75	75	75	75	75	75	75	75	75
FII	0.37	0.42	0.42	0.42	0.42	0.42	0.42	0.42	0.42	0.59
DII	0	0	0	0	0	0	0	0	0	0
Public	24.63	24.58	24.58	24.58	24.58	24.58	24.58	24.58	24.58	24.41
Others	0	0	0	0	0	0	0	0	0	0
Total	100	100	100	100	100	100	100	100	100	100

#	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Promoter	3.02	3.02	3.02	3.02	3.02	3.02	3.02	3.02	3.02	3.02
FII	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02
DII	0	0	0	0	0	0	0	0	0	0
Public	0.99	0.99	0.99	0.99	0.99	0.99	0.99	0.99	0.99	0.98
Others	0	0	0	0	0	0	0	0	0	0
Total	4.03	4.03	4.03	4.03	4.03	4.03	4.03	4.03	4.03	4.03

Pros

Debtor days have improved from 66.66 to 4.87days.
Company is almost debt free.

Cons

Company has a low return on equity of 12% over the last 3 years.
The company has delivered a poor profit growth of 6% over past five years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.